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Kearny Financial
(NASDAQ:KRNY)
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Rating:63Neutral
Price Target:
$9.50
â–¼(-3.26% Downside)
Action:Reiterated
Date:10/22/26
KRNY scores in the low-60s primarily because financial performance is improving (profitability rebound and solid cash flow) but balance sheet leverage and past earnings volatility remain constraints. Technical indicators are currently neutral-to-weak and weigh on the score, while valuation (reasonable P/E plus ~4.86% yield) and recent positive corporate updates provide support.
Positive Factors
Earnings recovery and growth
The return to profitability and sharp 2026 revenue growth indicate that the operating recovery is gaining traction rather than relying solely on cost actions. If sustained, stronger earnings can improve internal capital generation, support lending capacity, and reinforce the bank’s competitive position over the coming quarters.
Negative Factors
Elevated leverage
Although leverage has improved from its peak, debt-to-equity remains elevated for the company and limits balance-sheet flexibility. Meaningful leverage can constrain the ability to absorb credit or market pressure, while also making future growth and capital allocation more dependent on stable earnings and funding conditions.
Read all positive and negative factors
Positive Factors
Negative Factors
Earnings recovery and growth
The return to profitability and sharp 2026 revenue growth indicate that the operating recovery is gaining traction rather than relying solely on cost actions. If sustained, stronger earnings can improve internal capital generation, support lending capacity, and reinforce the bank’s competitive position over the coming quarters.
Read all positive factors
Kearny Financial (KRNY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$588.26M
Dividend Yield4.86%
Average Volume (3M)470.14K
Price to Earnings (P/E)15.6
Beta (1Y)0.75
Revenue Growth1.05%
EPS Growth38.31%
CountryUS
Employees502
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.58
Shares Outstanding64,929,380
10 Day Avg. Volume415,563
30 Day Avg. Volume470,145
Financial Highlights & Ratios
PEG Ratio0.43
Price to Book (P/B)0.78
Price to Sales (P/S)1.71
P/FCF Ratio17.27
Enterprise Value/Market Cap2.72
Enterprise Value/Revenue4.61
Enterprise Value/Gross Profit9.08
Enterprise Value/Ebitda30.88
Forecast
1Y Price Target
$10.67Price Target Upside8.62% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)0.79
Revenue Forecast (FY)$197.41M
Kearny Financial Business Overview & Revenue Model
Company Description
Kearny Financial Corp. serves as the parent entity for Kearny Bank, providing a diverse array of banking and financial services across the United States. The institution offers a comprehensive suite of deposit products, including both interest-bea...
How the Company Makes Money
Kearny Financial primarily makes money through its banking subsidiary by earning interest and fees. The core revenue engine is net interest income: the bank collects interest on loans and interest-earning securities and pays interest to depositors...
Kearny Financial Financial Statement Overview
Summary
Income Statement
68
Positive
Balance Sheet
54
Neutral
Cash Flow
73
Positive
| Breakdown | Jun 2026 | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 347.14M | 343.53M | 326.88M | 296.48M | 240.21M |
| Gross Profit | 176.41M | 151.63M | 134.38M | 176.13M | 218.06M |
| EBITDA | 51.85M | 35.88M | -75.52M | 58.67M | 99.00M |
| Net Income | 36.26M | 26.07M | -86.67M | 40.81M | 67.55M |
Balance Sheet | |||||
| Total Assets | 7.68B | 7.74B | 7.68B | 8.06B | 7.72B |
| Cash, Cash Equivalents and Short-Term Investments | 1.08B | 1.18B | 1.14B | 1.30B | 1.45B |
| Total Debt | 1.15B | 1.26B | 1.61B | 1.51B | 901.34M |
| Total Liabilities | 6.92B | 6.99B | 6.93B | 7.20B | 6.83B |
| Stockholders Equity | 766.67M | 745.96M | 753.57M | 869.28M | 894.00M |
Cash Flow | |||||
| Free Cash Flow | 34.43M | 21.39M | 42.62M | 68.19M | 78.38M |
| Operating Cash Flow | 36.89M | 24.77M | 43.97M | 69.55M | 81.30M |
| Investing Cash Flow | 11.76M | 41.11M | 258.12M | -417.92M | -479.95M |
| Financing Cash Flow | -101.10M | 37.52M | -308.74M | 317.27M | 432.41M |
Kearny Financial Technical Analysis
Neutral
9.82
Price Trends
9.51
Negative
9.26
Negative
8.45
Positive
Market Momentum
-0.14
Negative
42.48
Neutral
40.13
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For KRNY, the sentiment is Neutral. The current price of 9.82 is above the 20-day moving average (MA) of 9.13, above the 50-day MA of 9.51, and above the 200-day MA of 8.45, indicating a neutral trend. The MACD of -0.14 indicates Negative momentum. The RSI at 42.48 is Neutral, neither overbought nor oversold. The STOCH value of 40.13 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for KRNY.
Kearny Financial Risk Analysis
Kearny Financial disclosed 29 risk factors in its most recent earnings report. Kearny Financial reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Kearny Financial Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | $646.71M | 12.03 | 13.02% | 3.30% | 24.95% | 95.35% | |
71 Outperform | $555.95M | 9.91 | 10.05% | 2.65% | 4.88% | 6.47% | |
71 Outperform | $648.80M | 10.42 | 12.41% | 1.10% | 3.49% | 35.78% | |
71 Outperform | $527.65M | 9.38 | 16.36% | 2.75% | 2.77% | -11.91% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $588.26M | 15.62 | 4.77% | 4.86% | 1.05% | 38.31% |
* Financial Sector Average
KRNY
Kearny Financial
9.27
3.06
49.25%
ACNB
ACNB
65.39
21.37
48.53%
CIVB
Civista Bancshares
28.15
7.47
36.14%
HIFS
Hingham Institution For Savings
298.17
3.23
1.10%
NRIM
Northrim Bancorp
24.20
3.32
15.88%
Kearny Financial Corporate Events
Business Operations and StrategyDividendsFinancial Disclosures
Kearny Financial Posts Strong Fiscal Q1 2027 Results
Positive
Oct 22, 2026
On October 22, 2026, Kearny Financial Corp. reported first-quarter fiscal 2027 net income of $10.0 million, or $0.16 per diluted share, up from $7.2 million, or $0.11 per diluted share, in the prior quarter ended June 30, 2026, driven by stronger ...
Business Operations and StrategyFinancial DisclosuresShareholder Meetings
Kearny Financial Highlights Strong Fiscal 2026 Execution Progress
Positive
Oct 20, 2026
On October 20, 2026, Kearny Financial Corp. held its fiscal 2026 Annual Meeting of Stockholders, where it delivered an investor presentation reviewing the fiscal year ended June 30, 2026. The meeting’s business included electing four directo...
Business Operations and StrategyDividendsFinancial Disclosures
Kearny Financial Declares Quarterly Dividend, Highlights Earnings
Positive
Jul 23, 2026
For the quarter ended June 30, 2026, Kearny Financial reported net income of $7.2 million, or $0.11 per diluted share, down from $10.1 million in the prior quarter, reflecting non-recurring items including a discrete tax charge, severance and OREO...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.